4104 Beach Bluff Road
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4104 Beach Bluff Road

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Carlsbad, CA 92008Neighborhood: Olde Carlsbad

$1,100,000
NEW — 0d
STR-eligible · Carlsbad Coastal Zone · TOT 10%

15 licensed short-term rentals within ½ mile (15 whole home), from the cities' license and permit lists of Nov 6, 2026.

Pass at asking: -$3,799/mo full cashflow at 20% down, 7.43% rate.

Works at $605,384 (45% under asking), or at 70% down.

Rent $6,039/mo from 11 leases of 4-bed houses within 2 mi ($4,908–$6,348).

Beds

4

Baths

2.5

Sqft

1,886

Year Built

1976

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

260026480SD

This property is in Carlsbad (92008). View neighborhood stats →

About This Property

Luxury Live Auction! Bidding to start from $1,100,000! An incredible opportunity in one of Carlsbad's desirable established neighborhoods! Tucked away on a quiet cul-de-sac, this exceptionally well-maintained 4-bedroom, 2.5-bath home offers 1,886 square feet of living space on a generous 12,900-square-foot lot. Lovingly cared for over the years, this home reflects a level of pride of ownership that's increasingly hard to find. From the inviting curb appeal to the remarkably well-preserved interior, it's clear this property has been treated with care. The functional floor plan features spacious living areas, vaulted ceilings, abundant natural light, and comfortable spaces for everyday living and entertaining. Step outside to a generously sized backyard with mature landscaping, a spacious deck, and plenty of room to relax, entertain, or envision something entirely new. While much of the home retains its original character and finishes, it presents an exciting opportunity for its next owner to update and personalize at their own pace. Located within the Carlsbad Unified School District, with highly rated schools in the area, including elementary schools and Carlsbad High School earning 9/10 GreatSchools ratings. Ideally situated near shopping, dining, parks, and the beautiful Carlsbad coastline. Homes with this combination of location, lot size, condition, and potential don't come along every day. Bring your vision and discover the possibilities!

Mortgage Calculator

Est. Monthly Payment

$7,532

Principal & Interest$6,111
Property Tax$1,100
Insurance$321
%($220,000)
%
Loan Term

Location

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Zoned Schools

  • Elementary

    Magnolia Elementary · grades K-5 · Carlsbad Unified

  • Middle

    Valley Middle · grades 6-8 · Carlsbad Unified

  • High

    Sage Creek High · grades 9-12 · Carlsbad Unified

    or Carlsbad High · grades 9-12 · Carlsbad Unified

    Choice area: the district lets families here pick either school.

The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.

Investment Score

43B
Est. Monthly Rent
$6,039

11 leases of 4-bed houses within 2 mi · $4,908–$6,348

Blended 50/50 with the zip's market median ($6,811)

Monthly Cashflow

Rent − PITIA

-$1,493
Full Cashflow

Incl. vacancy, PM, maint, capex

-$3,799

What would make this work?

$3,799/mo short at 20% down; 70% down or +$4,933/mo rent closes it.

Break-even price

45% under asking

$605,384
Break-even rent

$4,933/mo above the estimate

$10,972/mo
Cashflow at 35% down
−$2,653/mo
Down payment to break even

$770,000 cash

70%
Rate to break even

Negative even at a 0% loan

Not reachable

Mortgage (P+I)
$6,111
Cap Rate
2.85%
Cash-on-Cash
-20.72%
DSCR

Need ≥ 1.25 for DSCR loan

0.80

NOI (Annual)
$31,372
Price-to-Rent

Lower = better for investors

15.2

* Modelled at 20% down, 7.43% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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BCashflow−$3,799/mo